Bodily injury liability

This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. Both yourself and any family members listed on the policy are also covered when driving someone else's car with their permission.

It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.